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Scottish Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.63 (356 reviews)

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4.64

Based on 356 reviews, last reviewed 15th May 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

75%

18%

Latest highest rating:

5

Remortgage process was smooth. Remortgage process was smooth. All OK, thank you Reviewed on: 15th May 2025

Latest lowest rating:

2

The application process is very outdated The application process is very outdated and of a legacy nature. Everything seems to be done via post with no modern online elements like other lender... Read more Reviewed on: 10th June 2024

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About this product

Securing your dream home is the goal, but finding the perfect mortgage is an important step along the way. We collect Scottish Building Society mortgage reviews from existing borrowers to help you make an informed decision.

Scottish Building Society is the oldest remaining building society in the world, offering a range of mortgage products. Before taking out a mortgage product, make sure that you’re confident that you understand the terms, conditions and interest rates. Always consult the lender or an independent advisor if you’re unsure or have any questions.

Are you looking for a mortgage with Scottish Building Society? Read the reviews on Smart Money People to find out what existing customers have to say about their experiences. Learn which mortgage product they have and how satisfied they have been throughout the term. Find out how well the lender has kept borrowers updated with any mortgage news and changes. Learn all of this and more in our Scottish Building Society mortgage reviews.

Have you got a mortgage with Scottish Building Society? Share your experience with others on Smart Money People. Tell us about the application process: was it easy to understand? Did you have any unusual circumstances that made it difficult to find the right lender? How would you rate Scottish Building Society’s customer service? Would you recommend the lender to family and friends? Whether good or bad, write a Scottish Building Society mortgage review today. Together, we can help people like you make better financial decisions.

Scottish Building Society Mortgages reviews (356)

Review of the Scottish Building Society, Mortgages:

Easy and stress free

Easy to speak to and not difficult, only issue is that a product fee was due was informed this could be added to the loan amount but it was not but this was not communicated to me at the start, had to pay it myself which was no issue but then I was not given details on how to do this so ended up having to ring which was a little time consuming Reviewed on: 7th August 2024

Simple and relatively quick.

Simple and relatively quick. Got us sorted easy enough, and interest rate was okay. Reviewed on: 5th July 2024

Information clear with excellent explanations.

Information clear with excellent explanations. Helpful staff, very easy to deal with and very quick service. Reviewed on: 28th June 2024

New customer very friendly & efficient

New customer very friendly & efficient Reviewed on: 27th June 2024

Highly recommend

Everything went well with our remortgage and we appreciate that SB honoured the original offer while we had to wait for my EU settlement status Reviewed on: 26th June 2024

very satisfied customers

We used a Mortgage Broker to apply for our mortgage so did not deal directly with SBS, however, both our Mortgage Broker and Solicitor could not praise SBS highly enough. SBS responded very quickly to queries at critical points in our purchase. We were able to find a mortgage product that suited our needs perfectly at a good rate. The welcome phone call from customer service to welcome us as new customers is something we have not had before and were pleasantly surprised. We are very satisfied customers. Reviewed on: 25th June 2024

Professional, helpful, friendly

Excellent service provided. Clear communication and explanation in a professional, friendly and non-patronising way. Reviewed on: 12th June 2024

there were difficulties in the initial processes

there were difficulties in the initial processes in communication. This caused unnecessary delays which could have been avoided there seemed to be so many people involved in the decision making process at SBS end of the arrangement. Reviewed on: 10th June 2024

The application process is very outdated

The application process is very outdated and of a legacy nature. Everything seems to be done via post with no modern online elements like other lenders. The process to sign documents and setup direct debit has too many opportunities for error and mistakes. The communications were okay in terms of providing important information though. Theres also no way to track mortgage payments or balances via an app or through online banking which in 2024 is difficult to accept. Reviewed on: 10th June 2024

Quick response to our enquiry

Basically we had a quick response to our enquiry so we were able to proceed with the application. Scottish BS was the only financial institution that considered us for a remortgage. Reviewed on: 7th June 2024

Was a great experience for buying our first home wou...

Was a great experience for buying our first home would of liked to receive a bigger loan to have left a bit of wiggle room to do up the new home with money I used for deposit but I get that it was based off my current wage so don’t hold a grudge about it Reviewed on: 7th June 2024

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